The specific operation method is as follows:
1, I go to the local people's bank with the original ID card;
2. Fill in the application form for printing the report;
3. Submit the application form and the original and photocopy of my ID card to the People's Bank of China;
The staff of the People's Bank of China will print the report for the borrower (some places are free, and some places will be charged in May). At present, there is no charge for checking my credit report.
Extended data:
The Credit Information Center of China People's Bank is a public institution directly under the People's Bank of China. Its main task is to be responsible for the construction, operation and management of the enterprise and individual credit information system (also known as the enterprise and individual credit information basic database) according to the national laws and regulations and the regulations of the People's Bank of China.
major duty
1, responsible for drafting the overall development plan of enterprise and individual credit information system construction and organizing its implementation.
2, responsible for the development of enterprise and personal credit system operation and maintenance management system.
3, responsible for the development of enterprise and personal credit information system business technical standards.
4, responsible for the construction, operation and maintenance of enterprise and personal credit information system.
5. Responsible for organizing technical coordination with commercial banks and related parties, and collecting credit information of enterprises and individuals.
6, responsible for summarizing and analyzing the data information in the enterprise and personal credit information system, timely analysis report.
7. Responsible for providing corporate and personal credit information consulting services to commercial banks and related parties.
8, responsible for the organization of enterprises and individuals in the credit system in the operation of the dispute settlement.
9. Responsible for organizing the training of credit information of commercial banks and related parties.
10, responsible for the construction, operation and management of accounts receivable pledge registration publicity system.
1 1, responsible for the construction, operation and management of the financial lease registration and publicity system.
12. Other matters assigned by the leaders of the undertaking bank.
The information source of the basic database of enterprise and personal credit information is mainly financial institutions such as commercial banks, and the information included includes basic information of enterprises and individuals, credit information such as loans and guarantees in financial institutions, and major financial indicators of enterprises. Since the establishment of the basic database of enterprise and personal credit information, the People's Bank of China has been actively consulting with relevant departments to expand the scope of data collection and enhance the system functions.
Credit: a special form of value movement based on repayment. Generally, credit sales or prepayments arising from currency lending and commodity trading emphasize the creditor-debtor relationship between economic entities and reflect their willingness and ability to pay.
Credit investigation: Credit investigation refers to the activities of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and conduct credit management.
Social credit system refers to a series of arrangements to promote the credit commitment of all parties in society, with the ultimate goal of forming a good social credit environment. The social credit system should include laws and regulations, records of trustworthy information, collection and disclosure mechanism, institutions and market arrangements for collecting and publishing trustworthy information, supervision system, publicity and education arrangements, etc.
Credit system: a series of arrangements for collecting, processing and analyzing credit information and providing services to the outside world, which is a part of the construction of social credit system. Including system, information collection, institutions and markets, credit products and services, supervision and so on.
Credit reporting agency: Credit reporting agency refers to a legally established third-party agency independent of both parties to a credit transaction, specializing in the collection, collation, processing and analysis of credit information of enterprises or individuals, including credit records and performance.
References:
Baidu encyclopedia-China people's bank Zheng Xin center